Gold Loan Officer

Role Purpose

To drive gold loan sourcing, appraisal, and customer servicing at the branch level by ensuring accurate loan processing, strong customer engagement, and compliance with operational and regulatory standards.

Key Responsibilities

1. Customer Acquisition & Business Generation

Source gold loan business through walk-ins, local references, and field activities

Achieve monthly disbursement and portfolio growth targets

Generate leads through referrals and cross-sell financial products (insurance, loans, etc.)

2. Gold Appraisal & Loan Processing

Conduct gold valuation (purity testing, weight verification) as per company standards

Process loan applications including documentation, KYC verification, and data entry

Ensure accurate loan disbursement, renewal, and closure within TAT

Counsel customers on eligibility, interest rates, and repayment terms

3. Customer Relationship & Service

Handle customer queries (walk-in, phone, email) and provide product guidance

Build strong customer relationships to drive repeat business and retention

Conduct follow-ups for renewals, collections, and overdue cases

4. Branch Operations & Cash Handling

Manage cash transactions and ensure adherence to cash handling guidelines

Support maintenance of branch records, daily MIS, and system data

Assist in gold packet handling, tagging, and storage processes

5. Compliance & Audit Support

Ensure adherence to KYC norms and internal policies for all transactions

Maintain proper documentation and audit trails for all loans

Support internal/external audits and ensure zero deviations

6. Market Outreach & Local Engagement

Conduct local marketing activities, roadshows, and campaigns

Build relationships with local influencers, jewelers, and connectors

Track competitor offerings and gold price trends .